you dont need a 45 for home protection, and you dont want an XD for "quick disassembly". i had the 9mm, and i had to bust out the book to figure out how to disassemble it. it wasn't quick.
now you can go with something like a glock, or the knockoff S&W sigma, which you can take apart both in less than 5 seconds, my M&P is pretty easy to take apart, plus it comes with 3 different back straps so it can be changed to fit pretty much anyone who wants to shoot it.
if its just for the night stand, dont drop a shitload of money. the XD's are ~450-500, M&Ps are about 400, but the sigma is the cheapest at ~$250 bucks new, it goes bang when you pull the trigger, the 9mm holds 17+1 IIRC, and its got a trigger thats pretty heavy, so it'll make you sure you're wanting to pull the trigger, instead of it accidentally going off. plus, theres a used one for sale on here somewhere